IRS Form 656: Offer in Compromise
The application used to ask the IRS to settle a tax debt for less than the full amount. Approval depends on your income, expenses and assets.
A full review of your situation and realistic options, with the price of any next step in writing. Need it sooner? Rush is $799. Not sure yet? Try the free Decoder.
- Real tax professionals
- Price in writing first
- No SSN by email or chat
When it's used
This form is part of the offer in compromise process. Filling it out carefully matters, because the IRS relies on what you report. See back taxes & payment plans.
Get help
We can prepare and review it with you as part of the IRS Situation Assessment.
Other forms: Form 433-A · Form 433-F · Form 9465 · Form 2848
Pick the help that fits
You see the price before anything starts. No retainers to get going.
Tax Pro Notice Review & Action Plan
Best if you have one IRS letter and want a clear plan.
- Secure upload of your actual notice
- Reviewed by a tax professional
- Written findings and next steps
- Typically 1–3 business days
- Full $249 counts toward the $599 or $799 Assessment within 30 days
IRS Situation Assessment
Best if you owe, have several letters or unfiled years.
- Full review of your IRS situation
- IRS records reviewed with your OK
- Your realistic options, in writing
- Price for any next step before work starts
Rush IRS Situation Assessment
Best if a deadline is close and you need answers sooner.
- Everything in the Assessment
- Prioritized when a deadline is close
- Price for any next step before work starts
Start small, upgrade anytime: the full $249 counts toward the $599 or $799 Assessment if you upgrade within 30 days. Checkout is secure, through our payment processor.
Exactly what you get for $249
- Review of your actual IRS notice by a tax professional
- What it means, in plain English
- The dates that matter
- What the IRS is asking you to do
- What is still unknown or missing
- Your recommended next steps, in a written action plan
- Typically delivered in 1–3 business days
Professional review, not a promise of any IRS result. The full $249 counts toward the $599 Assessment within 30 days.
Not an anonymous call center. Caros Group is led by founder Chad Caros, CFP®, CDFA®, MBA, with online help from our Huntsville team.
Meet Chad → · (256) 690-0213From IRS letter to a clear plan in 3 steps
Tell us what you got
Request a free callback, call (256) 690-0213, or upload your notice with the $249 review.
A tax professional reviews it
We read your actual notice and, with your OK, your IRS records. You get the findings in writing.
You choose the next step
We explain the options that may fit and quote any further work in writing first. No pressure, results vary.
Questions people ask
Do you help people outside Huntsville?
Yes. Our help is online, so we work with people across the US and US taxpayers living abroad, including Thailand.
Will you ask for my Social Security number by email or chat?
No. We never ask for it by email, text or chat. If we take on your case, sensitive documents go through the secure Canopy client portal.
Can you promise the IRS will reduce what I owe?
No one honestly can. Every situation is different and results vary. What we can do is explain your options clearly and help you take the next right step.
What does it cost to get started?
The Notice Decoder is free. A tax professional review of your actual notice with a written action plan is $249, and the full $249 counts toward the $599 or $799 Assessment if you upgrade within 30 days.
How fast is the $249 notice review?
Typically 1–3 business days after you upload your notice.
I haven't filed in years. Is it too late?
It is usually better to start now than wait. We help you see which years matter and the order to file them in.
Call The Caros Group at (256) 690-0213
Let's look at your letter together.
Tell us what the IRS sent. A tax professional will explain it in plain language and show you the options that may fit, with the price in writing first.
No pressure. No SSN by email or chat. Results vary.